What is the worst that can happen if I don’t pay?

I am currently enrolled in a Debt Management program – They are currently taking 800/month. It is to the point where I am fed up with it. I am considering stopping the program and just not paying. I realize that it will affect my credit – but I am ok with that. What is the worst that can happen?
I did not mention that I live in NC and this is a state where they cannot garnish wages –

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